• 专利附录
  • 专利说明
  • 权利要求
  • 类似技术
  • 同族专利
  • 引用文献
  • 法律状态
  • 优先权
    • 专利摘要:
    The present invention relates to a payment method using a mobile phone, in particular using a virtual account for payment of goods purchase price, provides a virtual account and a payment method using a mobile phone that can be paid only by a mobile phone number without exposing the account number or credit card number. do. The present invention provides a payment method using a mobile phone, comprising: a first step of a purchaser accessing a mobile communication company network using a mobile phone and inputting a seller mobile phone number, a virtual account password, and an amount; A second step of transmitting the purchaser input information and the purchaser mobile phone number to a virtual account server in the mobile communication company network; A third step of searching for virtual account customer information using the purchaser's mobile number received by the virtual account server and comparing whether the virtual account password is identical to the searched virtual account customer information; A fourth step of checking whether the buyer virtual account can be withdrawn if the comparison result is the same; A fifth step of paying the amount if the withdrawal result is possible; And a sixth step of transmitting the settlement result to the cellular phone of the buyer and the seller after the payment of the amount is completed.
    公开号:KR20020083570A
    申请号:KR1020010022947
    申请日:2001-04-27
    公开日:2002-11-04
    发明作者:박준선
    申请人:주식회사 한국주택은행；
    IPC主号:
    专利说明:

    Settlement method using virtual account and mobile phone}
    [12] The present invention relates to a payment method using a mobile phone, and more particularly, to a virtual account and payment method using a mobile phone, which can be paid only by a mobile phone number without exposing an account number or credit card number by using a virtual account for payment of a purchase price of an article. will be.
    [13] Various payment methods have been developed and used to eliminate the inconveniences of possession of cash, the inability to identify owners in case of loss, and the inconvenience of returning balances, and to lay the groundwork for a credit society. For example, prepaid card, debit card, credit card, etc., the prepaid card has a problem that can be used to charge a certain amount in advance, in the case of a debit card or credit card, a separate terminal that can read the card is required. For online stores, you will need to enter your account number or credit card number. Therefore, there is a fear that the account number or credit card number is leaked and abused by those with malicious purposes.
    [14] In another conventional technology, when a purchaser enters a mobile phone number and social security number on a seller's site at the time of payment, the authentication number is transmitted to a mobile phone of the buyer through a mobile carrier to a short message service (SMS). And, the buyer completes the payment by entering the authentication number received by the SMS on the seller site, the amount is added to the mobile communication charges are billed. However, since the user authentication only depends on the social security number, if the mobile phone is lost, there is a risk of unauthorized use by others. In addition, since the payment amount is charged in addition to the mobile communication charges, it is a suitable method for small payments.
    [15] Another conventional technology is a method of making a payment using a mobile phone by embedding a radio frequency (RF) chip for a card reader or a prepaid card in a mobile phone terminal. This can reduce the risk of leaking the aforementioned account number and card number, there is an advantage that does not need a separate card reader, but there is a problem that a new mobile phone terminal must be purchased for this purpose.
    [16] An object of the present invention for solving the above problems is to provide a payment method using a virtual account and a mobile phone using only a mobile phone number without exposing the account number or credit card number by using a virtual account for payment of goods purchase price. .
    [1] 1 is a block diagram showing the configuration of a payment system according to the present invention.
    [2] 2 is a flowchart illustrating a payment process of a bank debit and ARS debit method according to the present invention.
    [3] 3 is a flowchart illustrating a payment process of a mobile carrier payment agency method according to the present invention.
    [4] 4 is a flow chart showing a payment process of the transfer method according to the present invention.
    [5] 5 is a flowchart illustrating a payment process of a seller billing method through a mobile carrier ARS system according to the present invention.
    [6] Figure 6 is a flow chart showing the inter-person remittance process using a mobile phone number in accordance with the present invention.
    [7] <Description of Symbols for Major Parts of Drawings>
    [8] 100: Buyer's Mobile Phone 200: Seller's Mobile Phone
    [9] 300: mobile carrier 400: virtual account server
    [10] 410: virtual account management unit 420: customer database
    [11] 430: account database 500: other financial institutions
    [17] A feature of the present invention for achieving the above object is a billing method using a mobile phone, the first step in which a buyer accesses the mobile carrier network using the mobile phone, inputting the seller mobile phone number, virtual account password and amount; A second step of transmitting the purchaser input information and the purchaser mobile phone number to a virtual account server in the mobile communication company network; A third step of searching for virtual account customer information using the purchaser's mobile number received by the virtual account server and comparing whether the virtual account password is identical to the searched virtual account customer information; A fourth step of checking whether the buyer virtual account can be withdrawn if the comparison result is the same; A fifth step of paying the amount if the withdrawal result is possible; And a sixth step of transmitting the settlement result to the cellular phone of the buyer and the seller after the payment of the amount is completed.
    [18] Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.
    [19] 1 is a block diagram showing the configuration of a payment system according to the present invention, which is composed of a buyer mobile phone, a seller mobile phone, a mobile communication company, a virtual account server and other financial institutions.
    [20] The purchaser's mobile phone 100 and the seller's mobile phone 200 can receive SMS, and are a general mobile phone that can be connected to the mobile communication company 300 through a wireless Internet network or a wireless phone network.
    [21] The purchaser mobile phone 100 is connected to the mobile carrier 300 network to input the other party's mobile phone number, virtual account password and amount information to receive the money, and the mobile phone payment results for SMS or ARS (Auto Response Service) voice notification Function to receive
    [22] The seller mobile phone 200 receives the buyer's mobile phone payment results via SMS or ARS voice notification, and in the case of the seller's billing method, inputs a seller code, a buyer's mobile phone number, and an item price to the ARS system of the mobile communication company 300. To charge for the goods.
    [23] The mobile communication company 300 is a gateway or ARS system for transmitting the information input from the purchaser mobile phone 100 and the purchaser mobile phone number to the virtual account server 400, and outputs the result of the transmitted data. Received from the virtual account server 400 is sent to the buyer's mobile phone 100 and the seller's mobile phone 200 by SMS or ARS voice notification.
    [24] In addition, when the mobile carrier functions as a payment gateway, the seller manages the seller information, and information necessary for payment settlement with the seller in the future (for example, the seller's mobile number and amount of money) , Buyer mobile phone number, etc.), and transmits the information entered by the buyer and the buyer mobile phone number to the virtual account server 400, the money is received by the representative carrier virtual account.
    [25] The virtual account server 400 checks whether the customer can confirm and withdraw money through the comparison of the information received from the mobile communication company 300 and the previously held customer information and account information, and the corresponding amount of the seller account or the mobile carrier Deposit into a virtual account and transmit the result to the mobile communication company 300, or send SMS or ARS voice notification of the result to the purchaser mobile phone 100 or the seller mobile phone 200 through the mobile communication company (300) send.
    [26] The virtual account server 400 includes a customer database 420 for storing data such as a name of a virtual account customer, a social security number, a mobile phone number, a virtual account number, a virtual account password, and the like; An account database 430 for storing the virtual account balance information of the customer; And a virtual account performing the withdrawal and deposit procedure of the corresponding amount by confirming whether the customer can be identified and withdrawn, by comparing the information received from the mobile communication company 300 with the customer database 420 and the account database 430. It consists of the management part 410. In addition, the virtual account server 400 may further include a seller information database (not shown) for seller information management, the seller is also a customer of the virtual account server 400, in the following description, the seller information is the customer Assume that the case is stored in the database (420).
    [27] In order to facilitate the management of the deposit and withdrawal of the virtual account, the virtual account server 400 may be operated in a bank which is connected to a bank common network and the other financial institution 500.
    [28] The virtual account is an electronic wallet of the same nature as a real account capable of recharging real money connected with an e-mail or a mobile phone number and allowing account transfer and cash withdrawal. It is also an account that can be charged and withdrawn by connecting accounts. In addition, the seller account can be both a virtual account and a real account, and is pre-registered and managed in the virtual account server 400, if the mobile phone number entered by the buyer is a pre-registered seller mobile number or a virtual account selected by the seller or It is deposited into your real account.
    [29] The other financial institution is for recharging, refunding the virtual account or the account transfer if the seller account is not an account of the bank that operates the virtual account server 400.
    [30] Figure 2 is a flow chart illustrating a payment process of the bank debit and ARS debit method according to the present invention, the buyer already has a virtual account.
    [31] When the commerce occurs between the buyer and the seller, the buyer is connected to the mobile carrier 300 network to the wireless Internet or wireless telephone network for payment (S200), and then enter the seller's mobile number, virtual account password and the amount of goods ( S201).
    [32] The mobile communication company 300 network transmits the information entered by the buyer and the purchaser's mobile phone number to the virtual account server 400 (S202). In this case, the data transmitted to the virtual account server 400 is encrypted and transmitted for security, and the virtual account server may also use a method of decrypting the data and performing the following process.
    [33] The virtual account server 400 searches the customer database 420 with the received purchaser's mobile phone number, and compares (S203) whether the virtual account password of the retrieved customer information is the same as the received virtual account password. If the result of the comparison (S203) is not the same, an error message is transmitted to the buyer and seller mobile phone (100, 200) via SMS or ARS voice notification through the mobile communication company (300) (S206), and the comparison (S203) result. If the same, the account balance information of the account database 430 and the goods amount information is compared (S204). As a result of the comparison (S204), if the amount of the item is greater than the virtual account balance, an error message is transmitted (S206). If the amount of the item is not more than the virtual account balance, the customer is searched for the customer database 420 by the seller mobile phone number. The virtual account or the real account number of the read out, the purchaser withdraws the amount of the goods from the virtual account and deposits to the seller account (S205). When the deposit is completed, the deposit result is sent to the mobile carrier 300 (S207), the carrier 300 transmits the withdrawal information using the SMS or ARS voice notification to the buyer's mobile phone (100), the seller Using the SMS or ARS voice notification to the mobile phone 200 transmits the deposit information (S209). The buyer and seller confirm this and carry out the delivery or delivery of the goods.
    [34] If the mobile carrier 300 network is an ARS (Auto Response Service) system, the buyer is connected to the ARS representative phone of the pre-allocated mobile carrier 300, the buyer according to the voice announcements to the corresponding button phone button In this case, the input DTMF (Dual Tone Multi Frequency) signal is changed into data that can be recognized by the virtual account server 400 and transmitted. In addition, when the deposit to the merchant account is completed, via the mobile communication company in the virtual account server, the deposit and withdrawal information transmission using the SMS to the purchaser mobile phone 100 or the seller mobile phone 200 (S209), or mobile communication company It sends the deposit result to ARS system to make voice notification of ARS system.
    [35] 3 is a flowchart illustrating a payment process of a mobile carrier payment agency method according to the present invention, in which both the buyer and the mobile carrier have a virtual account.
    [36] When the commerce occurs between the buyer and the seller, the buyer connects to the mobile carrier 300 network for payment (S300), and then enters the seller's mobile phone number, virtual account password, and the amount of goods (S301). The network 300 stores the information necessary for settlement with the seller of the information entered by the buyer, and transmits the information entered by the buyer and the purchaser's mobile phone number to the virtual account server 400 (S302).
    [37] The virtual account server 400 searches the customer database 420 with the received purchaser's mobile phone number, and compares (S303) whether the virtual account password of the retrieved customer information is the same as the received virtual account password. If the result of the comparison (S303) is not the same, an error message is transmitted to the buyer and seller mobile phone (100,200) via SMS or ARS voice notification through the mobile communication company (300), and the result of the comparison (S303) is the same. In the case where the balance information of the account of the account database 430 and the item price information are compared (S304). As a result of the comparison (S304), if the amount of the item is greater than the virtual account balance, an error message is transmitted (S306). If the amount of the item is not more than the virtual account balance, the purchaser withdraws the item from the virtual account and the mobile communication company 300 Deposit to the representative virtual account (S305). When the deposit is completed, the deposit result is sent to the mobile carrier 300 (S307), the carrier 300 transmits the withdrawal information using the SMS or ARS voice notification to the buyer mobile phone (100), the seller The mobile phone 200 transmits the deposit information using the SMS or ARS voice notification (S309). After confirming this, the buyer and seller perform a delivery or delivery process of the corresponding goods, and the mobile communication company 300 and the seller make settlement of the corresponding price (S310) on the settlement date.
    [38] 4 is a flowchart illustrating a payment transfer method according to the present invention, which is a process of cashing an amount of money deposited in a virtual account with purchase of goods.
    [39] The buyer connects to the mobile communication company 300 network for the money transfer (S400), and then enters the seller's mobile phone number, the virtual account password, and the transfer amount (S401). The mobile communication company 300 network transmits the information entered by the buyer and the purchaser's mobile phone number to the virtual account server 400 (S402).
    [40] The virtual account server 400 searches the customer database 420 with the received purchaser's mobile phone number, and compares (S403) whether the virtual account password of the retrieved customer information is the same as the received virtual account password. If the result of the comparison (S403) is not the same, an error message is transmitted to the purchaser and the seller mobile phone (100, 200) via SMS or ARS voice notification through the mobile communication company 300 (S406), and the comparison (S403) result. If the same, the balance information of the account in the account database 430 and the transfer amount information is compared (S404). As a result of the comparison (S404), if the transfer amount is larger than the virtual account balance, an error message is transmitted (S406). If the amount is not greater than the virtual account balance, the customer is searched for the customer database 420 by the seller mobile phone number. The virtual account or the real account number of the read out, the purchaser withdraws the transfer amount from the virtual account is deposited into the seller account (S405). When the deposit is completed, the deposit result is sent to the mobile carrier 300 (S407), the carrier 300 transmits the withdrawal information using the SMS or ARS voice notification to the buyer mobile phone (100), the seller Using the SMS or ARS voice notification to the mobile phone 200 transmits the deposit information (S409). The buyer and the seller who confirms this cause a commerce, and in some cases, the seller confirms by calling a mobile phone number entered by SMS to determine whether the buyer has made a transfer, and then causes the commerce. The seller bills the buyer for the payment fee for the remaining balance after subtracting the goods amount from the transfer amount and pays the balance to the buyer in cash (S410).
    [41] 5 is a flowchart illustrating a payment process of a seller billing method through a mobile carrier ARS system according to the present invention.
    [42] When a commerce occurs between the buyer and the seller, the seller asks the mobile phone number of the buyer, accesses the mobile communication company 300 ARS system for payment (S500), and then inputs the buyer mobile phone number and the amount of goods (S501). .
    [43] When the input is completed, the carrier 300 ARS system connects the call to the received buyer's mobile number (S502), and transmits the seller information and the amount information by ARS voice (S503), confirming the buyer's payment ( S504). The corresponding seller information is read out using the seller's mobile number, or when the seller accesses the ARS system of the mobile communication company 300 by a general telephone, is read through the seller code input by the seller.
    [44] When the buyer wants to pay, the virtual account password is entered (S505), and the mobile carrier 300 ARS system receives the virtual information of the seller information (mobile phone number or seller code), the buyer mobile phone number, the virtual account password, and the amount of the goods. The transfer to the account server 400 (S506).
    [45] The virtual account server 400 checks whether or not payment is possible by comparing the information received from the mobile communication company 300 ARS system with the customer and account databases 420 and 430. If it is confirmed that payment is not possible, an error message is transmitted (S509). If payment is possible, the purchaser withdraws the amount of money from the virtual account of the buyer and deposits it into the corresponding merchant account (S508). When the deposit is completed, the transfer result of the deposit to the mobile carrier 300 ARS system (S510), the mobile carrier 300 ARS system ARS voice notification (S511) to the buyer mobile phone 100 that the payment is completed, the seller Informs that the deposit has been completed normally by ARS voice (S512). The buyer and seller notified of this will close the transaction.
    [46] 6 is a flowchart illustrating a process of personal transfer using a mobile phone number according to the present invention, assuming that a remitter owns a virtual account and a collector does not own a virtual account.
    [47] Since the above-described method is a method of transferring from a virtual account to a virtual account (or a real account), using this method is not limited to payments between buyers and sellers, but also enables individual money transfer using a mobile phone number.
    [48] After the remitter accesses the mobile communication network (S600), the remitter enters the mobile phone number, the virtual account password and the remittance amount (S601). The mobile communication company 300 network transmits the information entered by the remitter and the remitter's mobile number to the virtual account server 400 (S602).
    [49] The virtual account server 400 searches the customer database 420 with the received remitter mobile phone number, and compares (S603) whether the virtual account password of the retrieved customer information is the same as the received virtual account password. If the result of the comparison (S603) is not the same, an error message is transmitted to the sender's mobile phone via SMS or ARS voice notification through the mobile communication company 300 (S606). The balance information of the account 430 and the remittance amount information are compared (S604). As a result of the comparison (S604), if the remittance amount is greater than the virtual account balance, an error message is transmitted (S606). )do. When the deposit is completed, the sender and the recipient's mobile phone to notify the details by SMS or ARS voice (S607). If the depositor does not have a virtual account, after receiving the notification of the deposit, the virtual account must be issued to the virtual account server 400 through a member registration process within a certain period. The money is refunded to the account (S608 to S610).
    [50] The deposit into the virtual account of the depositor is tied to the remitter's virtual account so that the remittance is not available to the sender's virtual account, and connected to the received payee's mobile number, and the depositor registers with the virtual account server 400 to virtual account In the case of generating a, a method of transferring a corresponding amount of money to a collector's virtual account or a method of temporarily making a virtual account and depositing it may be used. Of course, if the depositor owns a virtual account, the depositor's mobile number may be used to search for the depositor's virtual account number.
    [51] As described above, according to the present invention, by using a virtual account, it is not limited to a specific bank unlike a conventional payment agency (P / G) company, and a buyer directly transfers his / her mobile phone number, virtual account number, and product amount to his / her mobile phone. Etc., so that someone can avoid leaking your account number or card number. In addition, for mobile payments, there is no need to have a separate chip in the mobile phone or require advanced technology, and only a general cellular or personal communications services (PCS) phone capable of receiving SMS (SMS) is required. Any mobile phone has the advantage of a payment service. In addition, when paying more than the price of goods using the payment method of the transfer method according to the present invention, it is also possible to cash the amount deposited in the account by receiving the balance for it.
    权利要求:
    Claims (9)
    [1" claim-type="Currently amended] In the payment method using a mobile phone,
    A first step in which a purchaser accesses a mobile carrier network using a mobile phone and inputs a seller mobile phone number, a virtual account password, and an amount;
    A second step of transmitting the purchaser input information and the purchaser mobile phone number to a virtual account server in the mobile communication company network;
    A third step of searching for virtual account customer information using the purchaser's mobile number received by the virtual account server and comparing whether the virtual account password is identical to the searched virtual account customer information;
    A fourth step of checking whether the buyer virtual account can be withdrawn if the comparison result is the same;
    A fifth step of paying the amount if the withdrawal result is possible; And
    After the payment is completed, the payment method using a virtual account and a mobile phone comprising the sixth step of transmitting a payment result to the mobile phone of the buyer and the seller.
    [2" claim-type="Currently amended] The payment method using a virtual account and a mobile phone according to claim 1, wherein the mobile communication company network is an ARS (Auto Response Service) system.
    [3" claim-type="Currently amended] The method according to claim 1 or 2, wherein the payment of the corresponding amount in the fifth step is made from the buyer's virtual account to the seller's virtual account, the buyer's virtual account to the seller's real account, or the buyer's virtual account. Payment method using a virtual account and a mobile phone, characterized in that any one selected from the transfer to the representative virtual account of the mobile carrier.
    [4" claim-type="Currently amended] 4. The method of claim 3, wherein when the payment of the corresponding amount is a deposit from the buyer's virtual account to the representative virtual account of the mobile communication company, the payment settlement step between the mobile communication company and the seller is further included. Payment Method.
    [5" claim-type="Currently amended] The method of claim 1, wherein the transmission of the result of the sixth step is any one selected from Short Message Service (SMS) or ARS voice notification.
    [6" claim-type="Currently amended] The method of claim 1, wherein after the sixth step, the buyer and the seller who confirmed the SMS conduct commerce, and after the seller charges the buyer for a payment fee for the balance generated by the commerce, the balance is cashed. Payment method using a virtual account and a mobile phone further comprising the step of paying to the buyer.
    [7" claim-type="Currently amended] In the payment method using a mobile phone,
    A first step in which the seller accesses the mobile operator ARS system and inputs the purchaser mobile phone number and the amount;
    After the input is completed, the mobile operator ARS system connects the call to the received buyer's mobile number, receives the buyer's virtual account password, and transmits the seller's information, the buyer's mobile number, and the amount to the virtual account server. ;
    A third step of searching for virtual account customer information using the purchaser's mobile number received by the virtual account server and comparing whether the virtual account password is identical to the searched virtual account customer information;
    A fourth step of checking whether the buyer virtual account can be withdrawn if the comparison result is the same;
    A fifth step of withdrawing money from the buyer's virtual account and depositing the money into the seller account if the withdrawal result is possible; And
    And a sixth step of transmitting a payment result to the buyer and the seller after the deposit of money is completed.
    [8" claim-type="Currently amended] A first step in which a remitter accesses a mobile communication company network using a mobile phone and inputs a mobile phone number, a virtual account password, and a remittance amount;
    A second step of transmitting the remitter input information and the remitter's mobile number to a virtual account server in the mobile communication company network;
    A third step of searching for virtual account customer information by using the remitter mobile number received by the virtual account server and comparing whether the virtual account password is identical to the retrieved virtual account customer information;
    A fourth step of checking whether the remitter virtual account can be withdrawn if the comparison result is the same;
    A fifth step of withdrawing the remittance amount from the remitter virtual account and depositing the remittance in the virtual account if the withdrawal result is possible; And
    After the remittance of the money transfer is completed, the payment method using a virtual account and a mobile phone, characterized in that it comprises a sixth step of transmitting the payment history to the mobile phone of the remitter and the collector.
    [9" claim-type="Currently amended] 10. The method of claim 8, wherein when the collector does not have a virtual account, the deposit to the collector virtual account of the fifth step is to transfer the money transfer until the collector registers with the virtual account server and receives and receives the virtual account. Payment method using a virtual account and a mobile phone, characterized in that tied to the virtual account of the child.
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    同族专利:
    公开号 | 公开日
    引用文献:
    公开号 | 申请日 | 公开日 | 申请人 | 专利标题
    法律状态:
    2001-04-27|Application filed by 주식회사 한국주택은행
    2001-04-27|Priority to KR1020010022947A
    2002-11-04|Publication of KR20020083570A
    优先权:
    申请号 | 申请日 | 专利标题
    KR1020010022947A|KR20020083570A|2001-04-27|2001-04-27|Settlement method using virtual account and mobile phone|
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